--- title: 'Full Stack Engineer (UK) at Allica Bank' canonical: 'https://feeny.ai/job/full-stack-engineer-uk-allica-bank-milton-keynes-428na354rcys' type: 'job' last_seen: '2026-10-12' --- # Full Stack Engineer (UK) at Allica Bank - **Company:** Allica Bank - **Location:** Milton Keynes, United Kingdom - **Employment:** full-time - **Work type:** hybrid - **Posted:** 2026-06-05 - **Last confirmed live:** 2026-10-12 - **Apply:** https://jobs.ashbyhq.com/allica-bank/7e611390-b170-4b56-8c90-e4d172cde0d9/application **Skills:** Kotlin, Java, Spring Boot, React, TypeScript, Azure Container Apps, Azure Static Web Apps, REST APIs, OpenAPI, Azure DevOps Pipelines, CI/CD, GenAI tools (GitHub Copilot, Codex, Claude Code), AWS, Google Cloud, Threat modelling > Full Stack Engineer at Allica Bank designing and delivering secure, reliable software using Spring Boot, Kotlin/Java, React, and TypeScript. The role involves end-to-end feature delivery, contributing to engineering standards, and collaborating with product and design teams in a hybrid setting. ## Job description ## About Allica Bank Allica is the UK’s fastest growing company - and the fastest-growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech. Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers. Department Description Our teams move quickly, focus on outcomes, and take ownership from concept through to delivery. We solve complex problems, modernise processes, and enable the business to scale with confidence. What makes us different is the level of influence and autonomy engineers have. We work without the weight of legacy systems, which means we can focus on building for the future. Everyone contributes ideas and helps shape how we operate, and roles evolve as the organisation grows. This is a place for people who want to have a tangible impact and do their best work in a modern, collaborative environment. ## Role Description The Full Stack Engineer contributes to the design and delivery of products within a squad, helping to build secure, reliable, and accessible software while maintaining high engineering standards and a good developer experience. You will use your skills in Spring Boot microservices (Kotlin/Java) and modern web technologies (React/TypeScript) to deliver features across the stack. Our backend services run as containerised applications on Azure Container Apps, and our web applications are deployed via Azure Static Web Apps; you will help ensure the services and applications you work on are production-ready and make effective use of these platforms. You will contribute to good engineering practices in observability, CI/CD, security, performance, and accessibility, helping systems meet the standards expected of a UK bank. You will contribute to Architecture Decision Records (ADRs) and follow organisation-wide patterns and standards. You are hands-on and collaborative: you help design features, write code, review changes, and work closely with engineers, Product, and Design to deliver valuable outcomes. You use approved GenAItools such as GitHub Copilot, Codex or Claude Code responsibly to improve productivity and quality, while validating outputs carefully. Success in this role is measured by the consistent delivery of high-quality features, contribution to reliable and maintainable systems, improvements to the codebase and operational health of services, and your growth in technical capability and ownership. Principal Accountabilities: Contribute to the end-to-end design and delivery of features across the full stack using: - Backend: Kotlin/Java Spring Boot microservices, containerised and deployed on Azure Container - Apps, exposing REST/OpenAPI APIs and integrating with other services and data stores. - Frontend: React/TypeScript, shared design system components, and agreed architectural patterns, deployed on Azure Static Web Apps. - Contribute to technical design discussions and help produce clear ADRs for significant decisions, documenting context, options, trade-offs, and outcomes in line with organisation standards. - Support the squad’s services in production by contributing to SLOs and operational metrics, monitoring systems, responding to incidents, and helping to reduce recurring issues and improve reliability. Apply secure and compliant engineering practices: - Follow secure coding standards and contribute to threat modelling activities. - Ensure logging, audit trails, and data handling meet regulatory and privacy requirements. - Ensure accessibility standards are met in user-facing features. - Help strengthen observability and operational excellence within the squad by contributing to metrics, tracing, logs, dashboards, runbooks, and alerts, and using them effectively in day-to-day engineering work. - Contribute to improvements in developer experience, including CI/CD pipelines, test strategy, local development workflows, and release practices, in line with wider engineering standards and cloud deployment patterns. Use AI-assisted engineering responsibly: - Use approved tools like GitHub Copilot, Codex or Claude Code to improve speed, quality, and consistency. - Validate and refine AI-generated code to ensure correctness, maintainability, and compliance. - Share feedback and effective practices with the team. - Collaborate closely with Product Managers and Designers to understand requirements, shape practical solutions, and deliver work aligned to product goals and timelines. - Maintain high standards of code quality, testing, documentation, and maintainability across the squad’s codebase, while helping to reduce technical debt. - Support other engineers through pairing, code review, and knowledge sharing, contributing positively to the growth and effectiveness of the squad. Personal Attributes & Experience - Experience building and operating Spring Boot microservices in Kotlin or Java, including REST APIs, integrations, and containerised deployments on a major cloud platform (Azure preferred; AWS or Google Cloud also relevant). - Good knowledge of React and TypeScript, with practical experience building accessible, maintainable, and performant user interfaces. - Ability to design and deliver well-structured features within an existing architecture, with an understanding of trade-offs around scalability, maintainability, and delivery pace. - Good understanding of distributed systems fundamentals appropriate to microservices, such as resilience, latency, and failure handling. - Good understanding of secure coding practices, privacy considerations, and security expectations for production systems. - Experience with testing, CI/CD pipelines, and observability tooling; familiarity with Azure DevOps Pipelines and Azure deployment services is beneficial. - Ability to improve code quality through refactoring, clearer abstractions, and maintaining sensible boundaries between modules and services. - Experience collaborating through code review, pairing, and technical discussions to help improve team outcomes. - Experience using GenAI tools such as GitHub Copilot, Codex or Claude Code to improve productivity and code quality, with a clear understanding of their limitations and the need for review and validation. - Strong communication and collaboration skills, with the ability to work effectively with engineers, Product Design & other stakeholders. Working at Allica Bank At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers. Our employees are at the heart of everything we do, so our benefits are designed with you in mind: - Full onboarding support and continued development opportunities - Options for flexible working - Regular social activities - Pension contributions - Discretionary bonus scheme - Private health cover - Life assurance - Family friendly policies including enhanced Maternity & Paternity leave Don’t tick every box? Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you! Flexible working We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working. Please let us know what is best for you and, if we can, we will do our best to accommodate. Diversity We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like. ## About Allica Bank ## Company Overview - **One-liner**: Allica Bank is a British challenger bank and fintech that provides current accounts, savings, and lending products exclusively to established small and medium-sized businesses (SMEs) in the UK. - **Entity Type**: Private (Unicorn status achieved February 2026) - **Headquarters**: London and Milton Keynes, UK (with additional hubs in Manchester and India) - **Founded**: 2019 - **Founders**: Not publicly available (the bank was founded by a team; current CEO is Richard Davies, appointed July 2020) ## Core Business - **Primary industry/industries**: Financial Services, Fintech, Business Banking (SME Banking) - **Target customers**: B2B — Established UK businesses with 5–250 employees - **Mission or purpose statement**: "To give established businesses the banking they deserve" — combining fintech knowledge with start-up spirit to transform the business banking experience. ## Products & Services - **Business Rewards Current Account**: A full-featured business current account with unlimited fee-free UK transfers, team-level access, two-person authorisation, virtual cards (up to 20 per employee), expense management, and integrations with accounting software (Sage, Xero, QuickBooks, FreeAgent). Earns up to 1.5% cashback on card spend and integrated savings pots paying up to 4.08% AER interest. - **Business Borrowing**: Includes business overdrafts and lending products tailored for established SMEs. - **Savings Accounts**: Instant access savings accounts with competitive interest rates. - **Invoice Finance & Embedded Payments** (via acquisition of Kriya, October 2025): A new offering aiming to achieve £1 billion of invoice finance lending by 2028. - **Specialist Bridging Loans** (via acquisition of Tuscan Capital, August 2024): Short-term property-backed lending. ## Market Standing - **Valuation/Market Cap**: $1.2 billion (Unicorn status, February 2026) - **Key Metric**: Annual Revenue of £371.3 million (2025); Net Income of £36.9 million (2025); Total lending over £3.7 billion; Over 30,000 business customers (February 2026) - **Notable Investors/Partners**: Ventura Capital, GLG, Sona AM, TCV, Blue Owl, Atalaya Capital Management, Warwick Capital Partners - **Growth Signals**: - Named the UK's fastest-growing private company in The Sunday Times 100 (June 2024) - Named the UK's fastest-growing fintech ever in Deloitte's 2023 UK Tech Fast 50 - Listed as the second fastest growing company in Europe in the FT1000 (March 2025) - Over 700 employees (growing to 799 in 2025) - Achieved first full-year profit in 2023 - Acquired Kriya (invoice finance) and Tuscan Capital (bridging loans) to expand product suite ## Competitive Advantages - **Dedicated Relationship Management**: Every customer gets a UK-based relationship manager on speed dial — a return to "real relationship banking" that larger banks have moved away from. - **Proprietary Technology**: Tech teams design, test, and build everything in-house specifically for the needs of established businesses, not consumers or micro-businesses. - **No Monthly Fees**: Unlike traditional banks, Allica rewards customers with cashback and interest instead of charging monthly account fees. - **FSCS Protection**: Customer deposits are protected up to £120,000 by the Financial Services Compensation Scheme. - **Speed of Execution**: Company culture emphasises "Need for Speed" — they believe executing and improving faster creates a massive competitive advantage. ## Strategic Focus - **Product Expansion**: Growing beyond core banking into invoice finance, embedded payments, and specialist lending through acquisitions. - **Scaling Customer Base**: Targeting continued rapid growth from 30,000+ business customers, with a specific goal of £1 billion in invoice finance lending by 2028. - **Talent & Culture**: Building a team that blends "fintech knowledge with start-up spirit" while maintaining a focus on transparency and delivery over hierarchy. ## Why Work Here - **Culture & Values**: "Allicans" are described as passionate about the collective mission, with a culture of top talent, big thinkers, and a truly diverse workforce. Values include "Own it," "Need for Speed," "Straight Bat," and "Lead by Example." - **Employee Satisfaction**: 92% of employees said they enjoy working together (latest survey); 86% say they enjoy working there. - **Flexible Working**: Flexible working arrangements are offered, plus enhanced maternity, paternity, and shared parental leave. - **Benefits**: Competitive financial and wellbeing benefits, plus a packed staff social calendar. - **Growth Opportunity**: Described as "the UK's fastest-growing fintech ever" — employees get to help build the future of business banking and grow their own careers in a fast-paced, high-impact environment. - **Engineering Culture**: Tech teams design, test, and build everything in-house with a focus on transparency and data-driven decision making. Worth is measured by delivery of outcomes, not job titles or headcount. ## Sources 1. [allica.bank](https://www.allica.bank/about-us) 2. [allica.bank](https://www.allica.bank/) 3. [allica.bank](https://www.allica.bank/careers) 4. [jobs.ashbyhq.com](https://jobs.ashbyhq.com/allica-bank) 5. [wikipedia.org](https://en.wikipedia.org/wiki/Allica_Bank) ## Other roles at Allica Bank - [Lead Platform Engineer - Sweden](https://feeny.ai/job/lead-platform-engineer-sweden-allica-bank-sweden-5kec8x3s59ve) — Sweden - [Underwriter - Commercial Mortgages - 12 Month FTC](https://feeny.ai/job/underwriter-commercial-mortgages-12-month-ftc-allica-bank-london-b0ghn4eydzsg) — London, United Kingdom - [Underwriter - Commercial Mortgages](https://feeny.ai/job/underwriter-commercial-mortgages-allica-bank-london-r621jtd4ghyj) — London, United Kingdom - [New Business Administrator](https://feeny.ai/job/new-business-administrator-allica-bank-milton-keynes-6qjyaw1h06a0) — Milton Keynes, United Kingdom - [Broker Business Development Executive](https://feeny.ai/job/broker-business-development-executive-allica-bank-london-9p84d1jxk443) — London, United Kingdom - [Regional Lead - Cashflow Finance](https://feeny.ai/job/regional-lead-cashflow-finance-allica-bank-edinburgh-hgtrb14y1dcr) — Edinburgh, United Kingdom - [Senior IAM Engineer](https://feeny.ai/job/senior-iam-engineer-allica-bank-karnataka-8f3jvsrmy2jy) — Karnataka - [Customer Service Advisor](https://feeny.ai/job/customer-service-advisor-allica-bank-milton-keynes-fak9vf213vcp) — Milton Keynes, United Kingdom - [Supplier Co-Ordinator Analyst](https://feeny.ai/job/supplier-co-ordinator-analyst-allica-bank-london-y91xg8pv1dfj) — London, United Kingdom - [Outcome Testing and Controls Assurance Officer](https://feeny.ai/job/outcome-testing-and-controls-assurance-officer-allica-bank-milton-keynes-7ysrmevshpa9) — Milton Keynes, United Kingdom